I've been thinking: Should long term care insurance be treated as a life insurance or a health insurance? I saw on acsia.com, and I personally think, that it should be the latter because of the obvious similarity that both insurances have, its ground and the standards. However some life insurance has long term care features (albeit limited) which can be paid independently. Not to that mention that companies are allowing their member's life insurance policies to pay for their LTC needs. It's a little tangled, don you think?